Terms of Use

This Terms of Use agreement ("Terms") outlines the rules and guidelines for accessing and using the Earna mobile application and associated services (the "Service"). By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.

1. Acceptance of Terms

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you must discontinue your use of the Service immediately.

2. Eligibility

You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you meet this requirement.

3. User Accounts

To access certain features of the Service, you may need to create an account. You agree to:

  1. Provide accurate, current, and complete information during registration.
  2. Update your account information to keep it accurate and complete.
    You are responsible for maintaining the confidentiality of your account credentials and are fully responsible for all activities under your account.

4. Content and Licensing

You are solely responsible for any content you post, upload, or otherwise make available through the Service. By doing so, you grant Earna a non-exclusive, royalty-free, worldwide, perpetual, and irrevocable license to use, reproduce, modify, adapt, publish, distribute, and display such content for purposes related to the Service.

5. Prohibited Conduct

You agree not to engage in the following prohibited activities:

5.1

Violating any applicable laws or regulations;

5.2

Posting or sharing content that is unlawful, harmful, offensive, or otherwise objectionable.

5.3

Impersonating any individual or entity or misrepresenting your affiliation.

5.4

Interfering with the operation of the Service or its associated servers and networks.

5.5

Using automated means (e.g., bots, scrapers) to access the Service.

5.6

Transmitting harmful code, such as viruses or Trojan horses.

5.7

Breaching the security or integrity of the Service or its stored data.

6. Intellectual Property

The Service, including its original content, features, and functionality, is owned by Earna and protected under international copyright, trademark, and other intellectual property laws.

7. Disclaimer of Warranties

The Service is provided "as is" and "as available," without warranties of any kind. Earna disclaims all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

Earna shall not be liable for indirect, incidental, special, or consequential damages arising from your use or inability to use the Service, including but not limited to loss of profits, data, or other intangible losses.

9. Indemnification

You agree to indemnify and hold harmless Earna, its affiliates, officers, employees, and agents from any claims, liabilities, damages, or expenses arising from your use of the Service, violation of these Terms, or infringement of third-party rights.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Nigeria, without regard to its conflict of law principles.

11. Modifications to Terms

Earna reserves the right to modify or replace these Terms at its sole discretion. If changes are material, you will receive at least 30 days' notice before the new terms take effect. Continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

12. Contact Us

If you have any questions or concerns regarding these Terms, please contact us at: Email:support@earna.ai

By continuing to use the Earna mobile application, you agree to abide by these Terms of Use.

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Important Notice: Earna is a financial technology company, not a bank. Banking services, including payment processing and currency conversions, are provided through licensed partners. We are fully committed to compliance with applicable regulations to ensure the privacy and security of your personal data. All contact information on this site belongs to Earna and should not be used to contact third-party service providers. Copyright © Earna 2025.

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